20. Dean Henderson

Judging goalkeepers on FIFA 20 is always tricky, because you never know whether they're going to a brick wall or a wall made of paper.

Dean Henderson's 88-rated card makes him on par with some of the better goalkeepers from the earlier stages of the game, but that doesn't really cut it anymore. His passing is a little hit-and-miss, so probably not worth the risk.

19. Adama Traoré

Adama Traoré's TOTS card was always going to be disgustingly exciting, but he doesn't actually live up to the hype.

His shooting his average at best, and low reactions and composure really amplify his shortcomings in the box. Then, if you manage to get a good opportunity, his 3* weak foot adds a whole new challenge to overcome.

17. Alisson

Alisson is like Henderson, only with a better chance of not being rubbish.

He's blessed with immense speed off his line, so he's ideal for those who like bringing the goalkeeper out early, but his 97 rating could just make you more annoyed when he forgets he actually has hands.

15. Jordan Henderson

Jordan Henderson obviously has his strengths. The 94-rated card is physically dominant with outstanding passing. But he also has plenty of weaknesses.

His 3* skills and 3* weak foot make controlling the midfield quite a challenge, and because he stands at 6'0, his agility and balance are a little off. If he's in the wrong position, it can be tough to get him back into the right one.

14. Mateo Kovačić

Mateo Kovačić's 4* skills and 4* weak foot give him that ability to control a game which you don't get from Henderson. His agility is fantastic and his passing is very good.

The problem with Kovačić is his 79 shooting, which is atrocious for this point in the game cycle. When you add in his 75 strength, you'll see that the Chelsea star struggles to create too many problems for defenders when he's not passing from deep.

11. Aaron Wan-Bissaka

At 6'0 with 4* skills, Aaron Wan-Bissaka is the kind of card you can enjoy playing with. He's lightning fast at both ends of the field, although his 81 balance can make him feel a little clunky at times.

His passing can let you down on occasion, and don't expect anything from him when it comes to scoring goals, but he's definitely a fun defender to play with. You could even move him to centre-back. See if I care.

8. Riyad Mahrez

If you're a skiller, this is the only card you should be considering. Riyad Mahrez comes with 5* skills, 4* weak foot and some crazy dribbling skills, and you can turn him into a defender's nightmare if you use him correctly.

His major flaw is his 70 strength, so if you can't skill your way around a defender, he's probably going to get pushed off the ball.

5. Richarlison

Let's skip past the average balance and focus on everything else which makes this Richarlison card so good.

With 5* skills, he's one of the most fun players to play with from this TOTS, but he also brings 97 positioning and 97 finishing. He's tricky enough to make chances on his own, but he's always going to be on the end of loose balls in the box. He scores all sorts of goals.

2. Virgil van Dijk

When you're 99 rated, you better be usable. Fortunately, Virgil van Dijk is the perfect centre-back for FIFA 20. Even his gold card is outstanding.

This TOTS card is so juiced up that you barely even have to control him. His awareness and tackling are both perfect, so he'll find his way into the right spots to break up play without you even telling him to.